Completely OT: if you haven’t checked out life insurance rates recently, you may be shockedI just was able to offer to a healthy married couple, husband 38 / wife 37 – clean health record, $315H/$295W from one of the major carriers for 20 year level term $500K each, no investment componentThey are giving it away if you are under 40 nowadays.IMHO – you need it if you have a mortgage or have kids….don’t worry about it otherwise – don’t use insurance like the lottery, it is just a tool.Commerical crap off……………. |